The IRA Rollover Guide
Rolling over an IRA is common but easy to get wrong. Here's how to do it without triggering taxes or penalties.
An IRA rollover moves retirement money from one account to another. Done right, it's seamless and tax-free; done wrong, it can trigger taxes and penalties.
This cornerstone guide explains the types of rollovers and the rules that protect you.
What an IRA rollover is
Moving funds between retirement accounts and why people do it.
Direct vs. indirect rollovers
Why a direct transfer avoids the risks that come with handling the money yourself.
The 60-day rule and pitfalls
Deadlines and withholding that can cause an accidental taxable event.
Consolidating accounts
The pros and cons of bringing multiple accounts together.
Your options for the money
How rolled-over funds can be positioned for growth or guaranteed income.
This guide is for general educational purposes only and is not financial, tax, or legal advice. Tim Hartle is an independent insurance professional. Annuity guarantees are subject to the claims-paying ability of the issuing insurance company and are not FDIC insured. Rules and product features vary by situation and by state. Please consult a qualified advisor about your own circumstances.
Frequently Asked
Will I owe taxes on an IRA rollover?
What's the difference between a direct and indirect rollover?
How many rollovers can I do per year?
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Annuities are insurance contracts. Guarantees, including guaranteed lifetime income benefits where available, are subject to the claims-paying ability of the issuing insurance company. Product features, fees, withdrawal restrictions, and surrender charges vary by contract.